Well, I hold crypto, but admittedly it's kind of failed as far as payments are concerned. I used to use BTC quite regularly for payments back in like 2014-2015

Well, I hold crypto, but admittedly it's kind of failed as far as payments are concerned. I used to use BTC quite regularly for payments back in like 2014-2015. But now, it's too expensive to move around due to fees so I just hold it. The same can be said even of ETH - the fees are too high to interact with a lot of the DeFi stuff. There are 'layer 2' solutions that tackle the fees issue but uptake of these has been slow. It's why they pivoted to calling BTC a store of value years ago. The payments side of crypto is kind of disappointing.